RBL Bank ShopRite Credit Card
RBL ShopRite is one of India's better dedicated grocery cards — 5% back on supermarket spend for a low ₹500 fee, a real and recurring saving for the offline-first family. The correction before you apply: it is NOT "uncapped 5%" and NOT lifetime-free. The 5% (20 reward points per ₹100, points worth ₹0.25) is capped at 1,000 reward points a month — about ₹5,000 of grocery spend — after which it drops to the 1 RP/₹100 base; the ₹500 fee waives at ₹1.5 lakh. A 2,000-point welcome bonus (₹500) lands on a first eligible spend within 30 days, and there is 10% off BookMyShow bookings up to ₹100, 15 times a year. The fuel benefit is a surcharge waiver only (₹100/month) — fuel itself earns no points, and neither do utilities, insurance, rent, wallets, education, government services or EMI. Within the cap it is genuinely good; beyond it, it is an ordinary base-rate card.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹500 in vouchers, points or cashback on card activation
5% on Groceries
5% on grocery (20 RP/₹100, RP ₹0.25), capped 1,000 RP/month (~₹5,000 spend)
0.25% on Other
1 RP per ₹100 base (~0.25%); fuel & auto, utilities, insurance, rent, wallets, education, government services and EMI earn nothing (utilities, insurance & EMI since Oct 2023); ₹99 + GST redemption fee
Annual Fee Waiver
Fee of ₹500 + 18% GST (₹590 all-in)/yr fully waived when you spend ₹1,50,000/year
Fuel Surcharge Waiver
1% waiver on fuel transactions, capped at ₹100/month
Movie Ticket Benefit
10% off movie tickets booked on BookMyShow, up to ₹100 a booking, 15 bookings a calendar year — RBL's ₹1,500 ceiling assumes all fifteen, so a typical holder captures a fraction of it
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Groceries | reward points | 5% | ₹250 |
| Other | reward points | 0.25% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹590 |
| Joining fee (incl. 18% GST) | ₹590 |
| Finance charge (APR) | 3.99% p.m. |
| Forex markup | 3.5% |
| Fuel surcharge waiver | 1%, cap ₹100 |
| Reward redemption fee | ₹99 |
Perks & benefits
Estimated annual value beyond rewards — ~₹1,000/yr in total.
fuel waiver ~ ₹600 /yr
1% fuel surcharge waiver (on ₹500–4,000 transactions) up to ₹100/month
movie ticket ~ ₹400 /yr
10% off movie tickets booked on BookMyShow, up to ₹100 a booking, 15 bookings a calendar year — RBL's ₹1,500 ceiling assumes all fifteen, so a typical holder captures a fraction of it
Should you get it?
Best for: First-time card users, Low to moderate spenders
Entry tier — great for first-time and lower-spend users.
Strongest value if you spend heavily on Groceries ( 5% back).
✓ Pros
- Strong rewards that can offset the annual fee for the right spender
- 2,000 welcome reward points (~₹500) on a first spend within 30 days
- 10% off BookMyShow bookings, up to ₹100 each, 15 times a year
- Simple, accessible entry/mid-tier card
✕ Cons
- Annual fee applies unless the spend-based waiver is met
- Fuel, utilities, insurance, rent, wallets, education, government services and EMI earn no points
- Fewer premium travel and lifestyle perks
Eligibility & documents
Age
18 –60 years
Min. income
₹12,000 /mo
Employment
Salaried · Self-employed · Student
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Statement credit / cashback adjustment
🎁 Online rewards catalogue (vouchers, merchandise)
🎁 Flight & hotel bookings via the issuer rewards portal
What your RBL Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Standard redemption
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern The 5% is capped at 1,000 RP/month (~₹5,000 spend), not uncapped, and it is not lifetime-free — beyond the cap it is an ordinary base-rate card, and several categories no longer earn.
The bottom line
For routine supermarket spending within its monthly limits, the RBL ShopRite is an attractive grocery card providing an effective 5% return on essential household purchases. Potential applicants should note that the accelerated rate is limited to 1,000 points per month (around ₹5,000 in spending), the ₹500 annual fee requires ₹1.5 lakh in spend for a waiver, and non-grocery categories like fuel, utilities, rent, insurance, and education earn no rewards.
Sources & verification
Fees, reward rates, and benefits for the RBL Bank ShopRite Credit Card are taken from RBL Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 6 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for RBL Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2023 · 5 changes · last change Jan 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 1 change — 1 cut
▼ Fee Observed Jan 2026 · Effective 7 Jan 2026
New 1% fee on large FASTag top-ups and toll payments
No FASTag or toll transaction fee → 1% fee on any FASTag-loading or toll-payment transaction above ₹10,000
From 7 January 2026 RBL Bank charges a 1% fee on any single FASTag-loading or toll-payment transaction above ₹10,000, measured per transaction per card, across merchant category codes 4784, 4111 and 4131. Because the threshold is per transaction rather than a monthly aggregate, it bites on one-off large FASTag top-ups rather than on regular commuting; splitting a top-up below ₹10,000 avoids it. The fee sits alongside RBL's existing 1% charges on rent, on utility spends above ₹50,000 a month, on fuel transactions above ₹10,000, and on education payments routed through third-party apps. It is a fee on the transaction, not a change to reward earning — these categories already earn no reward points on most RBL cards.
Verification: RBL Bank ↗ · Confidence: High
2024 2 changes — 2 cuts
▼ Reward Effective 15 Oct 2024
More categories excluded from base reward points
Base points on most remaining spends → Nil points on education, government, contracted services, cash, Bills2Pay
From 15 October 2024 RBL widened its bank-wide exclusions: no base reward points at all on Education, Government Services, Contracted Services, Cash and Bills2Pay, and these plus Fuel & Auto, Utilities, Insurance, Quasi-Cash, Railways, Rental and Wallet stopped counting toward spend-based benefits. On ShopRite this compounds the 2023 cull, further shrinking where the base 1 reward point per ₹100 applies; the capped 5% grocery earn was left in place.
Verification: RBL Bank ↗ · Confidence: High
▼ Fee Effective 15 Oct 2024
New 1% fees on large fuel, utility & education spends
No category surcharge on fuel/utility/education → 1% on large fuel, high-value utility & third-party education
From 15 October 2024 RBL added a 1% fee on any single fuel transaction over ₹10,000 (capped at ₹3,000 per transaction), 1% on utility spends above ₹50,000 in a month, and 1% on education payments made via third-party apps (Cred, PhonePe, Paytm and similar). These apply to ShopRite like every RBL card, independent of how it earns, and are separate from the standard 1% fuel-surcharge waiver on ₹500–4,000 fuel spends, which continues.
Verification: RBL Bank ↗ · Confidence: High
2023 2 changes — 1 cut, 1 neutral
▼ Reward Effective 9 Oct 2023
Reward points removed on utilities, insurance, fuel & more
Base points on most everyday spends → No points on insurance, wallet, fuel, utility, rental, railways, misc.; utilities/insurance/EMI ineligible
Effective 09 October 2023 RBL stopped awarding reward points on Insurance, Wallet loads, Fuel, Utilities, Rental, Railways and Miscellaneous transactions across its reward-point cards, and made EMI, utilities and insurance ineligible. On ShopRite this thins the base 1 reward point per ₹100 on those everyday categories — the card's own terms record utilities, insurance and EMI as non-earning since October 2023; the 5% grocery accelerator was untouched.
Verification: RBL Bank ↗ · Confidence: High
◆ Launch Effective 15 May 2023
ShopRite issued as successor to RBL's discontinued Zomato Edition cards
RBL Bank introduced the Visa ShopRite as a dedicated grocery card and, by 15 May 2023, issued it to existing RBL-Zomato Edition (Classic/Black) holders when that co-brand partnership ended — migrated cardholders received it lifetime-free. Headline earn: 5% on grocery (20 reward points per ₹100, capped 1,000 RP a month ≈ ₹5,000 spend) over a 1 RP/₹100 base, a 2,000-point welcome benefit, 10% off BookMyShow and a 1% fuel-surcharge waiver; joining/annual fee ₹500 + tax, waived on ₹1.5 lakh annual spend. The 2023-05-15 issuance date is documented; ShopRite's original standalone launch date is undocumented.
Verification: CardAdvisor Research · Confidence: Reconstructed
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
Embed this timeline on your site Free to use. Facts only — dates, changes and before/after values. Please keep the credit line below the frame: it's the only part search engines can see, and it's what we ask for in return.
Source: RBL Bank ShopRite Credit Card value timeline — CardAdvisor
“ Cite this timeline Quoting a date or a before/after figure? Copy the HTML version — it credits the record with a working link.
HTML (with link) Plain text Copy
Source: RBL Bank ShopRite Credit Card value timeline , CardAdvisor (CC BY 4.0).
Want to know if this beats your current card for your spending?
Apply now → Compare with my profile
Applications are submitted to and decided by RBL Bank . CardAdvisor does not issue cards or process applications.
Find your best card
Answer 5 questions. Get a personalised shortlist with ₹ value estimates.
Find my card →
Quick summary
Type Entry credit card
Reward rate 0.25%–5%
Best for First-time card users
Joining fee ₹500
Annual fee ₹500
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 6 Aug 2026
How we research →
Useful links
Rewards calculator
Estimate any card’s annual value
Points valuations
What each point is really worth
Latest card changes
Live fee & reward-rate tracker
Market insights
The Indian card landscape
Card data study 2026
280 cards analysed — August 2026
Frequently asked questions
Check your eligibility for this card
Answer a few quick questions and our team will reach out with matching card offers based on your profile.